CPFCENTRAL PACIFIC FINANCIAL CORP
State Commercial Banks
- Revenue
- $38M
- 6.0% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$22M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear126% of net incomeCash flow under 80% of net income
- Dilutive SBCClear6% of revenueOver 10% of revenue
- Payouts exceed cash flowClear30% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear—Over 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $29M | $30M | $33M | $35M | $38M | 6.0% |
| Net income | $80M | $74M | $59M | $53M | $77M | 45% |
| Operating cash flow | $110M | $114M | $105M | $91M | $97M | 7.7% |
| Capex | $22M | $18M | $13M | $15M | $5M | 66% |
| Stock-based comp | $3M | $3M | $2M | $2M | $2M | 8.8% |
| Dividends | $27M | $29M | $28M | $28M | $29M | 4.3% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.